No, the so-called big credit data is the comprehensive data of the credit report. Big data means there are many overdue records or inquiries on credit reports.
It may be that the debt is relatively high, there are many credit cards, etc. It is still difficult to successfully apply for a credit card because bank staff have been watching for the past two years.
If there is big data confusion in the credit report, it will take two years to maintain a good credit report record to improve its credit report record.
Personal credit reporting
Personal credit reporting refers to the collection and processing of personal credit reporting information by personal credit reporting agencies established in accordance with the law, and provides personal credit reporting information inquiries based on user requirements and evaluation service activities. Personal credit report refers to the personal credit history record provided to legal information inquirers after the credit reporting agency processes and organizes the information collected in accordance with the law.
Situations that can easily affect your personal credit report:
1. Overdue credit card repayments three times in a row (or a total of six times within two years);
2. Monthly mortgage payments The monthly payment of car loan is overdue or non-repayment for 2 to 3 months in total;
3. The monthly payment of car loan is overdue or non-repayment in total for 2 to 3 months;
4. The loan interest rate is increased , the "monthly payment" is still paid according to the original amount and the interest is overdue;
5. If the sleep credit card is not used after activation, it will also incur an annual fee, and if it is not paid, a negative credit record will be generated;
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6. Failure to repay credit card overdrafts and mortgage loans on time;
7. When providing guarantee for a third party, the third party fails to repay the loan on time;
8 , debts and other economic disputes;
9. Failure to pay water, electricity, and gas bills on time;
10. Someone fraudulently uses their ID card (or copy) to open a credit card , generate arrears records, etc.
Credit card application process
If you meet the credit card application conditions, you can try to apply. The most important conditions for applying for a credit card are to be aged 18-60 years old (25-60 years old for overseas residents), have certain financial capabilities and a good credit record. The result of credit card application shall be subject to actual review by the bank. Necessary application documents are copies of proof of identity and employment certificate. If you can provide other financial supporting documents, it will be more helpful for the bank to understand your personal situation and determine your credit limit.
If you are interested and have never held a CMB credit card, you can apply in the following 4 ways:
1. Please log in to the credit card website and select "Apply for Credit Card"-" "New Customer Application";
2. Please bring your ID card, work certificate, and financial certificate originals to the branch for application;
3. You can also call the customer service hotline and ask in the voice message Select "3#" to apply for credit card consultation, then select "1" to go to the service specialist to register for you, and notify our local staff to contact you to confirm the application.
4. If you have already applied for the professional version of online banking, you can apply through the professional version.